Reduce the retention fee and cut costs

Cutting costs: Do you have the right basic insurance?

You've only just been to see the doctor and now you have to go again. If you have a chronic condition like rheumatism, asthma or diabetes, or require rehabilitation following an accident, you need time and patience – especially as there are many medical check-ups and doctor's visits involved. Finding the right model of general health insurance is key to ensuring your share of the costs doesn't get out of hand.

Lower the retention fee by CHF 300

It's important to take the strain off your own budget. CSS has a suitable solution in the form of the Multimed model: this flexible variation of basic insurance comes with a reduced retention fee, thus helping people who are chronically ill – or who have to spend a lot on healthcare for other reasons – to keep their co-payment within reasonable limits.

Chronic medical condition: your Multimed point of contact

Insured persons contact either their Multimed family doctor or the telemedicine centre first. They decide for themselves which of the two to contact; both are equally familiar with their medical history. Once the deductible amount has been reached, CSS pays a share of all further costs above this. The retention fee is 10%, but is capped at CHF 400 rather than CHF 700.

Health insurance co-payment

People often confuse the deductible and the retention fee. Insured persons generally pay a share of the cost of medical services covered by their general health insurance. This co-payment mainly consists of the deductible, an annual amount of between CHF 300 and CHF 2,500. Once the deductible you have chosen is reached, you pay 10% out of your own pocket towards any further healthcare costs you incur, up to the specified maximum amount. This is the retention fee.